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Old 06-28-2015, 08:23 PM   #11
Bus Crazy
 
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leaving it a bus is a problem, they don't allow that. if you're gonna transport people then you're commercial.

i had to have the minimum whatever...5 of 7...rv requirements to make it so. generator, a/c, heater, porta potti, and fridge gets you there if i recall.

State farm has my home, auto, rv policies......the bus has never an issue, others havent been so lucky.
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Old 06-28-2015, 11:10 PM   #12
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As posted awhile back (don't remember who). They want pictures-send them pictures. Take your pick from whatever has been posted. If by chance, someone was to show up to verify, you just tell them that a major roof leak or something to that effect caused you to strip the bus and you are starting over.
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Old 06-28-2015, 11:38 PM   #13
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Overall I'd rather fudge some details on the titling and call it a RV, then just be fairly straightforward with the insurance company, as they're the ones that I'm paying to cover me in an accident, as well as providing a legally required service. That being said, most insurance companies don't care about the title so much, as long as it's in your name, correct? It's sounding like I'm going to have a motorhome that has commercial insurance, at least for now until I get some things installed down the road.

Also it sounds like I may be SOL for roadside assistance, which blows, but it's not the end of the world. I do not want to give out other people's pictures and lie like that, though it is a very creative solution!

-Dan
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Old 06-29-2015, 04:11 AM   #14
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Quote:
Originally Posted by The-Breeze View Post
As posted awhile back (don't remember who). They want pictures-send them pictures. Take your pick from whatever has been posted. If by chance, someone was to show up to verify, you just tell them that a major roof leak or something to that effect caused you to strip the bus and you are starting over.
I like this idea.



Nat
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Old 06-29-2015, 07:14 AM   #15
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Originally Posted by dbsoundman View Post
Overall I'd rather fudge some details on the titling and call it a RV, then just be fairly straightforward with the insurance company, as they're the ones that I'm paying to cover me in an accident, as well as providing a legally required service. That being said, most insurance companies don't care about the title so much, as long as it's in your name, correct? It's sounding like I'm going to have a motorhome that has commercial insurance, at least for now until I get some things installed down the road.

Also it sounds like I may be SOL for roadside assistance, which blows, but it's not the end of the world. I do not want to give out other people's pictures and lie like that, though it is a very creative solution!

-Dan
Several folks on here have gotten cancellations when their commercial insurance provider finds out that its titled as a motorhome.
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Old 06-29-2015, 09:09 AM   #16
Mini-Skoolie
 
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Isn't providing false information to your insurer considered insurance fraud?

I totally understand why this is such a tough situation, but it still doesn't seem wise to provide someone else's pictures...

Has anyone actually done this?

-Dan
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Old 06-29-2015, 09:49 AM   #17
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Originally Posted by dbsoundman View Post
Isn't providing false information to your insurer considered insurance fraud?

I totally understand why this is such a tough situation, but it still doesn't seem wise to provide someone else's pictures...

Has anyone actually done this?

-Dan
Last summer, I was talking to various independent insurance agencies in New Jersey, and they all recommended looking into CAIP insurance because not every insurance company that insures skoolies is allowed into New Jersey. You'd basically be looking at a commercial auto policy for non-commercial purposes.

As for providing someone else's pictures, and then if the inspector comes around sees you still gutting it? That's a sticky wicket. As long as it's already been gutted and you're working on the interior when they come around, you can get by with the "water damage from new leaks" excuse.

Quote:
Originally Posted by EastCoastCB View Post
Several folks on here have gotten cancellations when their commercial insurance provider finds out that its titled as a motorhome.
I've seen a number of RVs here in NJ that are used for commercial puposes.

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Old 06-29-2015, 10:29 AM   #18
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If using progressive-
They WILL cancel you if you convert it and they find out. Their policy is "we do not insure converted school buses".
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Old 06-29-2015, 10:51 AM   #19
Mini-Skoolie
 
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Originally Posted by EastCoastCB View Post
If using progressive-
They WILL cancel you if you convert it and they find out. Their policy is "we do not insure converted school buses".
Got that, they were just the one place I knew of at the time that did online quotes. Although once again I was looking at their commercial auto, NOT motorhome. I may talk to State Farm today and see what they think.

-Dan
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Old 06-29-2015, 09:24 PM   #20
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I use good sam and have used it once already because I got my bus stuck. It's $79/month and also covers any vehicle I own.
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